Whole Life Insurance

WHOLE LIFE

Benefits of Whole Life:

Permanent life insurance protection
Annual dividends – when insurance companies authorize are paid annually.
Access to your cash value, generally tax free.
Premiums that are guaranteed to never increase.

Whole life insurance policies—things to consider:

Premiums

Whole life premiums are usually paid for your entire life. If you would like to customize your premiums (perhaps so you can finish paying for your policy before you retire), ask your financial professional about Custom Whole Life.

Mix of death benefit and cash value

Consider what’s important to you. Whole Life and or a Short Pay/Limited Pay Whole Life insurance offer a different balance of cash value accumulation and death benefit protection.

Cash value growth

The cash value is an important feature of a whole life policy. Policies can be structured to let you choose how quickly your cash value grows, so the cash value will be there for you to access if you need it.

Find out which whole life plan is best for you

is designed to provide permanent coverage. The coverage and the financial benefits provided will be there when needed, no matter when that may be. It provides a stable premium, a guaranteed death benefit, and cash value.

Short Pay/Limited Pay

is a customized whole life insurance policy that enables you to pay premiums for a specific amount of time, whole maintaining the face value of the policy and maximize the cash value growth. Paying a shorter time, means the premiums will be higher .

What riders are available for Whole LIfe?

Waiver of Premium

Children’s Term Rider

Guaranteed Insurability Rider

Paid-Up Additions Rider

Accelerated Benefits Rider

Additional Insured Term Rider

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